JPH0652400A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To provide an automatic transaction device capable of reducing an unrequired operation and operating time when a user requests the amount of payment exceeding the amount of limitation in a money dispensing transaction. CONSTITUTION:When the user inputs the amount of payment exceeding the amount of transaction limit in the money dispensing transaction, information representing the excess of the amount of limit and the amount of limit are transmitted from a host computer 25 by on-line communication with the host computer 25. When a transmission control part 20 receives those information, a main control part 11 displays the information representing the excess of the amount begond the limit, information for the amount of the limit, information of guide the re-input operation of the amount of payment within the range of the amount of the limit, and an operating key part for the input of the amount of payment on the CRT display device of a customer service unit 16, respectively without interrupting once the transaction, and permits the re-input operation of the amount of payment within the range of such amount.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automated teller machine such as an automatic teller machine installed in a financial institution such as a bank or an automatic teller machine, and in particular, a user pays money. Regarding the improvement of the guidance method in the case of requesting a withdrawal amount exceeding the maximum handling amount of the person in the transaction.

[0002]

2. Description of the Related Art In recent years, cards accepted by users have been accepted,
By communicating with the host computer (center),
Cash that automatically pays the withdrawal amount requested by the user Cash that automatically pays the withdrawal amount required by the user by accepting a cash dispenser or a passbook and communicating with the host computer Automated transaction devices such as automated teller machines or automated teller machines that automatically accept cash using passbooks have rapidly developed as automated equipment for bank tellers, and have been introduced at each bank. Has been deployed to the user promptly.

In the withdrawal transaction of such an automatic transaction device, when the user requests a withdrawal amount exceeding the maximum amount that can be handled by the user, a message indicating that the available maximum amount is exceeded (insufficient balance) is displayed on the operation panel. The transaction screen (card, passbook, etc.) that has been put on hold is displayed (displayed) on the display screen provided in, and the transaction is once terminated and the user is allowed to perform the operation again from the beginning. It is inducing.

[0004]

However, in the case of such a conventional automatic transaction device, when the user requests a withdrawal amount exceeding the maximum amount that can be handled by the user in the withdrawal transaction, the user is Receive the discharged trading medium and
You have to operate from the beginning. For this reason, the number of operation steps for the user is increased, and the operation time is accordingly increased, and an improvement measure thereof has been strongly desired.

Therefore, according to the present invention, when the user requests a withdrawal amount exceeding the maximum amount that the user can handle in the withdrawal transaction, unnecessary operation and operation time can be reduced, and the operability and convenience of the user can be reduced. It is an object of the present invention to provide an automatic transaction device capable of improving the property.

[0006]

The automatic transaction device of the present invention is an automatic transaction device that automatically performs a withdrawal transaction of a withdrawal amount requested by a user's operation. When you request a withdrawal amount, the information that detects it, exceeds the available handling amount, the available handling amount, and the information that guides you to re-enter the withdrawal amount within the available handling amount And a control means for controlling the re-input process of the withdrawal amount within the range of the handling limit displayed by this display means.

Further, the automatic transaction device of the present invention is an automatic transaction device that automatically performs a withdrawal transaction of a withdrawal amount requested by a user's operation. Request, the information that it has been detected and the handling limit has been exceeded, the handling limit, the information for guiding the re-entry operation of the withdrawal amount within the handling limit, and the withdrawal A display device having a touch sensor on the display surface for displaying operation key portions for inputting an amount of money, and an operation key displayed on the display device within the range of the handling limit displayed on the display device. Control means for controlling the re-input process of the withdrawal amount input by using the section.

[0008]

[Function] When a user requests a withdrawal amount that exceeds the handling limit amount of the person in the withdrawal transaction, the handling limit amount (balance amount) is displayed without temporarily terminating the transaction.
By allowing the withdrawal amount to be input again within the range of the amount of money, unnecessary operations and operation time can be reduced, so that operability and convenience of the user can be improved.

[0009]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings.

FIG. 2 shows an appearance of an automatic transaction apparatus (for example, an automatic teller machine) according to this embodiment.
In the figure, a substantially L-shaped operation unit 2 is provided on the front surface of a housing 1.
Are formed. On the horizontal surface of the operation unit 2, a large number of banknotes to be deposited can be collectively inserted, and a deposit / withdrawal port 3 for discharging banknotes or change banknotes to be paid to the user is provided. Is provided with a door 4 that can be opened and closed.

A color CRT display device 5 having a transparent touch sensor on the display surface is provided on the horizontal surface of the operation unit 2. The CRT display device 5 displays operation procedures and other information on the CRT screen by illustrations, characters, or wording to guide the user's operation, and the display of the personal identification number, amount of money, transaction approval, confirmation, or cancellation. A touch sensor (not shown) detects this by pressing a display portion corresponding to the so-called key operation for outputting a corresponding signal to the main control unit 11 described later. The contents and display are changed each time the operation of the machine or the state of the step changes.

On the other hand, on the vertical surface of the operation unit 2, a card insertion slot 6 for inserting a magnetic card as a transaction medium on which a personal identification number and account information are recorded, and a passbook for similarly inserting a magnetic passbook as a transaction medium. Insertion port 7, coin insertion port 8 for inserting coins, coin change receiving port 9 for receiving change of coins
Is provided.

By the way, as shown in FIG. 1, a main control unit 11 for controlling the entire apparatus and a magnetic card inserted from the card insertion slot 6 are received in the housing 1, and the magnetic card on the magnetic card is inserted. A magnetic card reader 12 that reads account information such as a personal identification number and an account number from a magnetic stripe, and various account information that is read from a magnetic stripe of a passbook inserted from the passbook insertion slot 7, and the transaction contents on a passbook and journal paper (not shown). , A bankbook printer 13 for recording the result of the inquiry or the like, and accepting the banknotes inserted in the deposit / withdrawal port 3, or the specified amount of banknotes with the deposit / withdrawal port 3
A banknote deposit / withdrawal unit 14, a coin deposit / withdrawal unit 15, a coin deposit / withdrawal unit 15 for depositing a specified amount of coins into the coin receiving slot 9, the CRT display device 5, etc. A customer service unit 16, a voice guidance unit 17 for providing voice guidance to a user through a speaker (not shown), an internal monitor 18 for a staff member who sets the date and time of a register inquiry, and a financial institution required for a transfer transaction. Transmission for controlling data transmission between the floppy disk device 19 as a data file in which information, for example, bank names and branch names are recorded in the order of Japanese syllabary, a main control unit 11 and a host computer (center) 25 provided outside. A control unit 20, a power supply unit 21, a storage unit 22 for storing the date and time for making an allocation inquiry, and a result of the allocation inquiry, and The clock unit 23 that measures are provided the current date and time. The main controller 11 is connected to an external remote monitor 24 for staff members.

In the withdrawal transaction, the transmission control unit 20
When the information indicating that the serviceable limit amount (balance amount) is exceeded from the host computer 25 and the serviceable limit amount are received, the main control unit 11 causes the CRT display device 5 to exceed the handleable limit amount. Displaying information indicating that the amount has been handled, maximum handling amount information, information for guiding the re-input operation of the amount of withdrawal within the range of the maximum amount of handling, and operation key parts for inputting the amount of withdrawal. To direct.

Incidentally, an instruction for registering an inquiry is made by operating an operation panel (not shown) of the host computer 25, and the instruction for registering an inquiry is transmitted via a transmission control unit (not shown) and a communication line. It is transmitted to the control unit 20.

Next, the operation of the above arrangement will be described with reference to the flow chart shown in FIG. In a withdrawal transaction (payment transaction), when the user requests to exceed the maximum handling amount of the principal, that is, when the user inputs a withdrawal amount exceeding the maximum handling amount of the principal, the host computer 25 By online communication with the host computer 25, information indicating that the maximum allowable handling amount (balance amount) is exceeded and the maximum handling amount is transmitted.

When the transmission control section 20 receives these pieces of information, the main control section 11 tells the CRT display device 5, for example, as shown in FIG. It is instructed to display the possible limit amount information 32, the information 33 for guiding the re-input operation of the withdrawal amount within the range of the handleable limit amount, and the operation key portion 34 for inputting the withdrawal amount. To do.

As a result, the CRT display device 5 displays a screen as shown in FIG. For example, in FIG. 4, the information 31 that the handling limit has been exceeded is "the balance has been exceeded", and the handling limit information 32 is "balance z, zzz, zz9 yen", and As information 33 for guiding the re-input operation of the withdrawal amount, the guidance guidance "Please press the amount again within the range of the balance amount, and finally press [Yen]", and the operation key for entering the withdrawal amount As the part 34, "numeric keypad", "ten thousand keys",
Displays "thousand keys", "correction key", and "cancel key".

On this display screen, the user re-inputs the amount of money using the ten-key pad, ten-thousand-key pad, and thousand-key pad in the operation key portion 34, and then depresses the yen key, whereby the main control portion 11 is input. Regarding the amount, check that it is within the range of the balance amount and check the validity. As a result of the check, if the inputted amount of money satisfies the condition, the amount of money input process is terminated and the process proceeds to the next process (amount of money confirmation process). If the entered amount does not satisfy the conditions as a result of the above check, the screen of FIG. 4 is displayed again,
Induce the operation of the amount of money.

When the cancel key is pressed or the operation time-out occurs at the time of re-inputting the amount of money, the main control unit 11 causes the magnetic card reader 12 and the passbook printer 13 to accept the transaction medium ( Card, passbook) to the card insertion slot 6 and the passbook insertion slot 7.

The operation other than the above-mentioned operation, that is, the operation before entering the balance shortage flow shown in FIG. 3 and the operation after the money amount confirmation processing shown in FIG. 3 are the same as those in the conventional case. Since the withdrawal transaction is a well-known technique, further detailed description will be omitted.

As described above, when the user requests a withdrawal amount that exceeds the handling limit of the person in the withdrawal transaction, information that the handling limit has been exceeded without temporarily terminating the transaction. , The maximum amount of money that can be handled, the information that guides the operator to re-enter the withdrawal amount within the range of the maximum amount that can be handled, and the operation key section for inputting the amount of withdrawal Unnecessary operations and operation time can be reduced by displaying each with a CRT display device provided and re-inputting the withdrawal amount within the range of the amount. Therefore, the operability and convenience of the user can be improved.

[0023]

As described above in detail, according to the present invention, when a user requests a withdrawal amount exceeding the maximum handling amount of the user in a withdrawal transaction, unnecessary operation and operation time can be reduced. Thus, it is possible to provide an automatic transaction device that can improve the operability and convenience of the user.

[Brief description of drawings]

FIG. 1 is a block diagram showing an electric system of an automatic transaction device according to an embodiment of the present invention.

FIG. 2 is a perspective view showing the appearance of the entire automatic transaction device.

FIG. 3 is a flowchart for explaining the operation of the main part.

FIG. 4 is a diagram showing a display example of a CRT display device having a touch sensor on a display surface.

[Explanation of symbols]

3 ... deposit / withdrawal port, 5 ... CRT display device, 6 ... card insertion port, 11 ... main control section, 12 ... magnetic card reader, 14 ... banknote deposit / withdrawal unit, 16 ... customer service unit, 20 ...... Transmission control unit, 25 ...... Host computer, 31 ...... Information that the handling limit has been exceeded, 3
2 ... Handleable maximum amount information, 33 ... Information for guiding re-input operation of withdrawal amount, 34 ... Operation key portion for inputting withdrawal amount.

Claims (2)

[Claims] 1. An automatic transaction device for automatically performing a withdrawal transaction of a withdrawal amount requested by a user, when the user requests a withdrawal amount exceeding a handling maximum amount, it is detected. , A display means for displaying information indicating that the handling limit has been exceeded, a handling limit, and information for guiding re-entry operation of the withdrawal amount within the handling limit, and this display means. An automatic transaction device, comprising: a control unit that controls re-input processing of a withdrawal amount within a displayed limit of handleable amount. 2. An automatic transaction device for automatically performing a withdrawal transaction of a withdrawal amount requested by a user, when the user requests a withdrawal amount exceeding the maximum handling amount, it is detected. , Information that the handling limit has been exceeded, the handling limit, information for guiding the re-entry operation of the withdrawal amount within the handling limit, and the operation key for entering the withdrawal amount Display each section,
A display device having a touch sensor on the display surface, and a re-input process of a withdrawal amount input using the operation key portion displayed on the display device within the range of the handling limit displayed on the display device. An automatic transaction device, comprising: